Business Profile

Collections Agencies

Ability Recovery Services LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Ability Recovery Services LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

453 total complaints in the last 3 years.
129 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:11/28/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company is CONSTANTLY putting things on my credit report that aren’t mine!! They tried to add something from **** that I had sent over MANY times documentation relieving me of the debt, now that’s not something they can do to mess up my credit they go add 2 other accounts THAT ARENT mine to my credit report that I also have spoken with a representative about! I emailed her documentation that the debt doesn’t belong to me. No one sent a letter or even called me about this giving me opportunity to dispute it before adding it to my credit report for a SECOND TIME!!! When you call there you get NOWHERE the reps AND MANAGEMENT ARE RUDE, and DISRESPECTFUL even hang up on you. The law says the company needs to contact the consumer by mail BEFORE add anything to my credit report and they HAVE PROVE THE INFORMATION IS ACCURATE!!! I want this company to stop finding loop holes to HARASS ME!!
Business Response
Date: 12/02/2022
Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client *********** in the collection of their outstanding student debt. Attached please find a copy of Consumer's Enrollment Agreement whereby Consumer agreed to all of the terms and conditions to same. To cancel this course our client is requesting $478.20 with a deletion from credit reporting bureaus. As per our client, this matter is still due and owing. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Customer Answer
Date: 12/06/2022
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:
I also have an email thread from **** ***** confirming my request to cancel. I never attended any classes at this school.

Regards,

*****************************
Business Response
Date: 12/14/2022
Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus. As per our client this course was 9.10% completed with no withdrawal request.
Please send a copy of your emails with **** ***** and we will forward to our client for an investigation. Our facsimile number is ************ with your account ID# ******* attached to same. Thank you
Initial Complaint
Date:11/28/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
ABILITY RECOVERY SERVI (Original Creditor: **** *********** **** ** ** **)- Account number: ***********- $1267.00- DO: 09/08/2022 - please Remove this unknown medical account for violations. I did not give permission for my personal or medical information to be included on my credit report. Plus, I do not owe anything to this company. This medical account does not belong to me. You're violating my privacy, and technically someonelse privacy. This violates HIPAA!!! Please block and remove this unknown account from my credit report.
Business Response
Date: 12/05/2022
Consumer should be advised that this matter has been closed and returned to our client *********************** and has been removed from all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you
Initial Complaint
Date:11/28/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
for the BBB complaints for collection accounts: I received a notice that I have a collection from ABILITY RECOVERY SERVICE on my credit report. It says it was opened on 05/18/2022 for $401.00 with account number starting in *********** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.
Business Response
Date: 12/02/2022
Consumer should be advised that these matters have been placed in a properly disputed status, along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client *********************** (a medical debt buyer) in the collection of their outstanding medical debt. Attached please find copies of the Itemized Bills for Consumer's review. Our ID# ******** - $$401.98 and ID# ******** - $177.47. Our client is offering a 50% discount for both matter with full deletion from credit reporting bureaus. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
Date:11/27/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The basis for my dispute Ability Recovery Services LLC, ******,ABILITY RECOVERY SERVICE Account ,***********, $914 - was required to notify me prior to 10/11/2022, or no later than 30 days after. ABILITY RECOVERY SERVICE Account failed to notify me about reporting derogatory info. to *******, ********, and ********** In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 10/11/2022, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p), 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, ABILITY RECOVERY SERVICE Account " failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of TX allows treble damages. Under § 809. Validations of date and Mini-Mirandi under Section 807(1)Ability Recovery Services LLC, ****** failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well. I attached a copy of the law and the actual document from the federal reserve ABILITY RECOVERY SERVICE Account is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. ***** 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing ****** v. ***** 936 S.W.2d 654(Tex.App-Dallas 1996
Business Response
Date: 12/02/2022
Consumer should be advised that this matter has been placed in a properly disputed status, along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt. The validation was mailed to Consumer on October 13, 2022. Attached please find a copy of the Itemized Bill for Consumer's review. Our client is offering A 50% Discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
Date:11/26/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with *********** and do not have a contract with ABILITY RECOVERY SERVICE Account Number ********** They do not provide me with a validation of the debt. Please provide a breaking of fees. Please provide me with verified certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service.
Business Response
Date: 12/01/2022
Consumer should be advised that this matter has already been closed and returned to our client ***************************** In addition this matter has been deleted from all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you
Initial Complaint
Date:11/22/2022
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with Ability Recovery Service and do not have a contract with Ability Recovery Service. They did not provide me with the orginial application or any information about this like I asked and hung up the phone on me when trying to retrieve this information. Date reported on my credit report 8-8-2022 Account number *********** I am not sure if the listed address is correct for them because its not in your system This is the information they have listed on my report PO BOX **** WYOMING, PA ***** ************
Business Response
Date: 11/28/2022
Consumer should be advised that this matter has been closed by our client ******** **************** (a medical debt buyer) and has been removed from all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you
Customer Answer
Date: 11/28/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

*************************
i accept the business response to resolve this matter
Initial Complaint
Date:11/14/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I would like for these corrections to be made on my credit report
Business Response
Date: 11/15/2022
Consumer should be advised that this matter has been placed in a properly disputed status, along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client ************************ in the collection of their outstanding student debt. Attached please find a copy of the Enrollment Agreement and Ledger whereby Consumer agreed to all of the terms and conditions of same. The cancellation for this matter if $414.50 with deletion. Id this matter is ID Theft/Fraud, our client requires a police report which can be sent to our office via facsimile ************. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
Date:11/10/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have a 50.00 medical bill on my credit from them. I called to pay and remove and was told I could pay it but they cant take it off, then preceded to try and convince me to pay 100 set up fee and 99 a month to repair it. I tried to contact the original owner to pay it off and they aren't in business apparently. This is ridiculous. I would like it removed or me pay and it be removed from my credit. I've disputed for this reason.
Business Response
Date: 11/11/2022
This matter was PIF on 11/11/2022 and sent for deletion from all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you
Initial Complaint
Date:10/27/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On October 26, 2022, I received an alert that a collection item was added to my ******** credit file in the amount of $422.00 and $1,146.00. According to my credit file, the debt was reported by a Company named Ability Recovery Services. I do not owe this debt, nor have I received any services from this company. This Company is a fraud and is attempting to collect a debt that is not valid. Additionally, I have not received any notice from this Company nor any information which would allow me to dispute the validity of this debt. I would also like to make the company aware that I believe this is the same company that did this exact same thing almost a year ago under the guise of a different Company name. I will need this removed from credit immediately!!!
Business Response
Date: 11/16/2022
Consumer should be advised that this matter has been placed in a properly disputed status, along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client *********************** (a medical debt buyer) in the collection of their outstanding medical debt. We have contacted our client and has requested the Itemized Bills for these matters. Once we receive same we will forward to Consumer's current address. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
Date:10/15/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. States a consumer reporting agency cannot furnish an account without my written instructions. In accordance with the Fair Credit Reporting act Convergent Account #*********************, #*********************, #*********************, #*********************, #*********************, #*********************, #********************* #*********************, #*********************, #*********************, #*********************, #*********************, #*********************, #*********************, #*********************, #*******, and #******************* has violated my rights. Please delete these accounts. The reporting of the accounts are not consistent on *******, ********, and ********** credit bureaus. Please delete these accounts.
Business Response
Date: 10/20/2022
Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus. Ability Recovery Services is a third debt collection agency representing our client ************************ in the collection of their outstanding student debt. Attached please find a copy of Consumer's Enrollment Agreement and Ledger whereby Consumer agreed to all of the terms and conditions of same. Our client is stating that this matter is still due and owing. To cancel would be $1,878.50 which can be made in payments. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Complaints

Find a Location

Ability Recovery Services LLC

Ability Recovery Services LLC

Ability Recovery Services LLC

Customer Complaints Summary

If you've experienced an issue

Sort by

Complaint status

Complaint type

Initial Complaint

Business Response

Customer Answer

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Customer Answer

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Ability Recovery Services LLC is NOT a BBB Accredited Business.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Ability Recovery Services LLC is NOT a BBB Accredited Business.